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Denison State Bank, The

Holton, KS · Cert 15305 · Denison Bancshares Inc. Holton

State charter, non-member · FDIC · 5 branches

Q2 2026

$453.6MAssets
$303.7MLoans
$369.3MDeposits
$74.8MEquity
Loan mix
74%RE $169.0M21%C&I $47.8M5%Consumer $12.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $305.2M17%Noninterest $64.1MQ2 2025Q2 2026

NIM

4.85%Q2 ’245.08%Q2 ’255.26%Q2 ’26+11%+9%

Non-interest income vs. expense

1.98%Q2 ’242.17%Q2 ’252.37%Q2 ’26+19%+9%

Market Position · Topeka, KS · 2026 SOD (annual) · 5.2% share · #5 of 30 inst. · $0.4B of $7.1B

67.8% Jackson
24.6% Jefferson
0.3% Shawnee

Executive Summary

  • Earnings: ROA of 1.82%, up 15 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 1.08% of loans (+56 bps YoY), with net charge-offs at 1.64%.
  • Capital: tier 1 leverage ratio of 17.53%, up 97 bps from a year ago.
  • Funding: loans stand at 82.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.82%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.90%+33 bps YoY

Efficiency Ratio (quarter, annualized)

51.01%-18 bps YoY

Tier 1 Leverage Ratio

17.53%+97 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%2.04%0.55%1.31%1.82%+15 bps
Return on Equity11.51%13.33%3.56%8.41%11.34%-17 bps
Net Interest Margin3.57%3.73%3.81%3.98%3.90%+33 bps
Efficiency Ratio51.19%46.80%55.10%46.76%51.01%-18 bps
Non-Interest Burden1.49%1.35%1.72%1.46%1.62%+13 bps
Growth
Asset Growth (YoY)3.33%2.53%2.38%1.58%-0.74%-407 bps
Loan Growth (YoY)5.70%4.49%4.78%2.82%2.31%-338 bps
Deposit Growth (YoY)1.43%0.88%0.13%0.43%-1.69%-312 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.27%0.80%0.83%1.08%+56 bps
Net Charge-Offs / Loans0.03%-0.06%1.93%-0.01%1.64%+161 bps
Allowance / Loans1.08%1.04%1.07%1.42%1.02%-6 bps
Allowance Coverage of NPLs2.1x3.9x1.3x1.7x0.9x-1.1x
Capital
Tier 1 Leverage Ratio16.56%17.22%16.83%17.27%17.53%+97 bps
Total Risk-Based Capital16.56%17.22%16.83%17.27%17.53%+97 bps
Equity / Assets14.88%15.77%15.34%15.70%16.49%+162 bps
Liquidity & Funding
Loans / Deposits79.02%80.30%80.52%79.58%82.24%+322 bps
Liquid Assets / Assets0.98%2.22%2.94%3.49%0.38%-60 bps
CRE / Total Capitaln/a78.31%78.46%79.46%n/an/a